Cost of Living: Oakland, CA vs Irving, TX (2026)

Oakland

California
195
VS

Irving

Texas
102

Oakland is 91% more expensive than Irving.

$1,917/mo ↑ 26%
Median Rent
$1,517/mo ↓ 21%
$97,369/yr ↑ 22%
Median Income
$79,641/yr ↓ 18%
$924,700 ↑ 222%
Home Value
$287,300 ↓ 69%
$2,164/mo ↑ 42%
Owner Costs
$1,521/mo ↓ 30%
438,072
Population
255,036

Tax Comparison

13.3%
Income Tax
0%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
1.6%

Affordability

23.6%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing Oakland, CA and Irving, TX, the overall cost of living indices are 195 and 102 respectively (national median = 100). Rent is $400/month cheaper in Irving, saving renters about $4,800/year.

Median household income is $17,728/year higher in Oakland. Home values also differ significantly — the median in Oakland is $924,700 compared to $287,300 in Irving.

Texas has no state income tax, giving Irving residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Oakland vs Irving — common questions

Is Oakland or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 195 (US average = 100).
What is the rent difference between Oakland and Irving?
Median rent in Oakland is $1,917/month and in Irving it's $1,517/month — a difference of $400/month.
Which city has higher income, Oakland or Irving?
Median household income is $97,369 in Oakland and $79,641 in Irving. Median household income is $17,728/year higher in Oakland.
How do taxes compare between California and Texas?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Oakland or Irving?
It depends on your priorities. Oakland has a cost index of 195 with median rent of $1,917/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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